XL Group Ltd

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XL : NYSE : Financial
$39.03 -0.14 | -0.36%
Today's Range: 39.01 - 39.78
Avg. Daily Volume: 1765000.0
09/19/17 - 4:02 PM ET

Financial Analysis


XL GROUP LTD's gross profit margin for the second quarter of its fiscal year 2017 has significantly increased when compared to the same period a year ago. The company has grown its sales and net income during the past quarter when compared with the same quarter a year ago, and although its growth in net income has outpaced the industry average, its revenue growth has not.

During the same period, stockholders' equity ("net worth") has decreased by 5.17% from the same quarter last year.

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Income Statement Q2 FY17 Q2 FY16
Net Sales ($mil)2756.942634.24
EBITDA ($mil)372.46181.3
EBIT ($mil)353.02105.45
Net Income ($mil)301.6243.78


Balance Sheet Q2 FY17 Q2 FY16
Cash & Equiv. ($mil)5655.46036.93
Total Assets ($mil)62382.2561198.24
Total Debt ($mil)3207.342646.32
Equity ($mil)11080.5511685.19


Profitability Q2 FY17 Q2 FY16
Gross Profit Margin13.516.88
EBITDA Margin13.56.88
Operating Margin12.84.0
Sales Turnover0.170.17
Return on Assets1.330.52
Return on Equity7.482.75
Debt Q2 FY17 Q2 FY16
Current Ratio0.00.0
Debt/Capital0.220.18
Interest Expense54.0255.74
Interest Coverage6.541.89


Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)258.61276.73
Div / share0.220.2
EPS1.140.15
Book value / share42.8542.23
Institutional Own % n/a n/a
Avg Daily Volume1807293.01532185.0

Valuation


BUY. XL GROUP LTD's P/E ratio indicates a significant discount compared to an average of 49.29 for the Insurance industry and a significant discount compared to the S&P 500 average of 24.88. Conducting a second comparison, its price-to-book ratio of 0.92 indicates a significant discount versus the S&P 500 average of 3.10 and a discount versus the industry average of 1.86. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, XL GROUP LTD proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
XL 12.74 Peers 49.29   XL 16.87 Peers 12.46

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

XL is trading at a significant discount to its peers.

 

Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

XL is trading at a significant premium to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
XL 9.81 Peers 15.46   XL 0.11 Peers 1.93

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

XL is trading at a discount to its peers.

 

Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

XL trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
XL 0.92 Peers 1.86   XL 187.85 Peers 207.04

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

XL is trading at a significant discount to its peers.

 

Average. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

XL is expected to keep pace with its peers on the basis of earnings growth.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
XL 0.93 Peers 1.49   XL 6.27 Peers 11.38

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

XL is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

XL significantly trails its peers on the basis of sales growth

 

 

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